The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$52,185
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,649/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,832
+HK$3,375/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,055
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,612
−HK$1,580/mo
Today · 4.125%
HK$61,192
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,225/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,384/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,622
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,570
−HK$1,979/mo
Today · 4.125%
HK$66,549
baseline
▲ 0.50% · 4.625%
HK$70,598
+HK$4,049/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,098/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,666
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,534
−HK$1,896/mo
Today · 4.125%
HK$73,430
baseline
▲ 0.50% · 4.625%
HK$77,300
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,860/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,059
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,331
−HK$2,309/mo
Today · 4.125%
HK$77,640
baseline
▲ 0.50% · 4.625%
HK$82,364
+HK$4,724/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,280/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,277
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,457
−HK$2,211/mo
Today · 4.125%
HK$85,668
baseline
▲ 0.50% · 4.625%
HK$90,184
+HK$4,516/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,336/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,933
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,854
−HK$2,969/mo
Today · 4.125%
HK$99,823
baseline
▲ 0.50% · 4.625%
HK$105,897
+HK$6,074/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,646/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,499
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,302
−HK$2,843/mo
Today · 4.125%
HK$110,145
baseline
▲ 0.50% · 4.625%
HK$115,951
+HK$5,806/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,290/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,633 · Scale 2, in force from 26 Feb 2026)